I. Introduction of the Company
Beijing Yue Ling Information Technology Co., Ltd. was established on September 65, 20 15, with a registered capital of RMB1000000 and paid-in capital of RMB 66.7 million. 20 15 1 1 year 10. In October, the company obtained an angel financing of RMB 3 1 100 million led by the listed company Kunlun Wan Wei (3004 18), and it was on 2010.
As a real practitioner of big data finance, the company has obtained and derived tens of thousands of multi-dimensional user data, established a label system covering the repayment ability, identity characteristics, behavioral preferences, social networks and other characteristics of users, and formed a clear portrait of users. It is one of the few platforms in China that truly has the ability to realize the value of big data in anti-fraud identification, risk assessment and pricing, and intelligent post-loan management. Through data-driven market expansion, refined platform operation, strong genetic technology level and rich accumulation of big data applications, piggy bank has occupied a considerable share of the domestic P2P market in a short time.
Second, product introduction
The company adopts advanced concepts and innovative technologies to establish a simple, efficient and transparent peer-to-peer lending information intermediary platform. Through big data and various risk management measures, the piggy bank strictly screened out the scattered creditor's rights, and the types of creditor's rights were all small consumption installment claims, realizing small dispersion. For the lender, the piggy bank first evaluates the risk tolerance of the user, and with the authorization of the user, it helps the lender to conveniently select the borrower and lend the funds through the automatic bidding tool.
1, sound investment plan
The stable investment plan is a bidding tool launched by piggy bank to meet the needs of lenders. The loan items on the platform are selected within the bidding rules approved and authorized by lenders in advance. The lock-up period is divided into 30 days, 90 days, 180 days and 360 days to meet the different lending needs of lenders, and the initial investment is 100 yuan.
2.VIP club
VIP Club is a personalized service for high-net-worth customers, which can enjoy a higher historical annualized income level under the same loan target and lock-up period. At the same time, there are 1 to 1 exclusive consultants to provide VIP users with professional financial consulting services and 16 privileges.